What is the minimum age and income requirement for a student credit card in Hong Kong?

Most student credit cards require applicants to be at least 18 years old and have a minimum annual income of HK$80,000 to HK$150,000, though some cards designed for students may accept lower income with a guarantor.

Do these credit cards for students and entry-level spenders in Hong Kong charge an annual fee?

Many student and entry-level credit cards in Hong Kong offer annual fee waivers for the first year or permanently, provided you meet minimum spending requirements; some cards have no annual fee at all.

What are the typical interest rates and penalties for late payments on student credit cards?

Standard purchase APR for student cards in Hong Kong ranges from 30% to 40% per annum, with late payment fees around HK$200 to HK$350 or 5% of the unpaid balance, whichever is higher.

Can I earn rewards like cashback or airline miles with a student credit card in Hong Kong?

Yes, many student-focused credit cards offer cashback of 1% to 4% on specific categories like dining and groceries, or reward points redeemable for shopping vouchers, though travel miles are less common for entry-level cards.

How can I build a good credit history with a student credit card in Hong Kong?

By paying your full balance on time each month and keeping your credit utilization below 30%, you can establish a positive credit record, which may help when applying for mortgages or larger loans later.

Top 10 Best Credit Cards for Students & Entry-Level Spenders in Hong Kong

Top 10 Best Credit Cards for Students & Entry-Level Spenders in Hong Kong | Top10Grid

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#1
DBS Live Fresh Card
Zero annual fee for under 25s. No income requirement. Cashback rewards + signup bonus. Strong student program. Verified April 2026, DBS website.
Details →
0
#2
HSBC Red Card
Zero annual fee with no income requirement. Student acceptance high. Dining and entertainment rewards. Verified April 2026, HSBC website.
Details →
0
#3
Standard Chartered Youth Card
Zero annual fee for young professionals. No income requirement verification. Cashback + signup bonus. Verified April 2026, SC website.
Details →
0
#4
Citibank Student Card
Zero annual fee for students. Cashback on student-relevant categories (food, entertainment). Student ID acceptance. Verified April 2026, Citibank website.
Details →
0
#5
UOB One Card
Zero annual fee with no income minimum. Category-based rewards (up to 3.33% cashback). Easy approval for students. Verified April 2026, UOB website.
Details →
0
#6
Bank of China Student Card
Zero annual fee for university students. Special student rates. Signup bonus. Verified April 2026, BOC website.
Details →
0
#7
OCBC Youth Card
Zero annual fee for young professionals. Rewards program designed for entry-level spenders. Easy approval. Verified April 2026, OCBC website.
Details →
0
#8
Hang Seng Student Card
Zero annual fee for students. Student benefits program. Cashback on spending. Verified April 2026, Hang Seng website.
Details →
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#9
Bank of East Asia Fresh Card
Zero annual fee for cardholders under 30. Low income threshold. Cashback rewards. Verified April 2026, BEA website.
Details →
0
#10
Mizuho First Card
Zero annual fee, entry-level, cash rewards, no income requirement for students. First card friendly. Verified April 2026, Mizuho website.
Details →

0
#1
DBS Live Fresh Card
Zero annual fee for under 25s. No income requirement. Cashback rewards + signup bonus. Strong student program. Verified April 2026, DBS website.
Details →
0
#2
HSBC Red Card
Zero annual fee with no income requirement. Student acceptance high. Dining and entertainment rewards. Verified April 2026, HSBC website.
Details →
0
#3
Standard Chartered Youth Card
Zero annual fee for young professionals. No income requirement verification. Cashback + signup bonus. Verified April 2026, SC website.
Details →
0
#4
Citibank Student Card
Zero annual fee for students. Cashback on student-relevant categories (food, entertainment). Student ID acceptance. Verified April 2026, Citibank website.
Details →
0
#5
UOB One Card
Zero annual fee with no income minimum. Category-based rewards (up to 3.33% cashback). Easy approval for students. Verified April 2026, UOB website.
Details →
0
#6
Bank of China Student Card
Zero annual fee for university students. Special student rates. Signup bonus. Verified April 2026, BOC website.
Details →
0
#7
OCBC Youth Card
Zero annual fee for young professionals. Rewards program designed for entry-level spenders. Easy approval. Verified April 2026, OCBC website.
Details →
0
#8
Hang Seng Student Card
Zero annual fee for students. Student benefits program. Cashback on spending. Verified April 2026, Hang Seng website.
Details →
0
#9
Bank of East Asia Fresh Card
Zero annual fee for cardholders under 30. Low income threshold. Cashback rewards. Verified April 2026, BEA website.
Details →
0
#10
Mizuho First Card
Zero annual fee, entry-level, cash rewards, no income requirement for students. First card friendly. Verified April 2026, Mizuho website.
Details →

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Current Rankings

DBS Live Fresh Card

HSBC Red Card

Standard Chartered Youth Card

Citibank Student Card

UOB One Card

Bank of China Student Card

OCBC Youth Card

Hang Seng Student Card

Bank of East Asia Fresh Card

Mizuho First Card

Current Rankings

DBS Live Fresh Card

HSBC Red Card

Standard Chartered Youth Card

Citibank Student Card

UOB One Card

Bank of China Student Card

OCBC Youth Card

Hang Seng Student Card

Bank of East Asia Fresh Card

Mizuho First Card

Get the weekly finance rundown

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Current Rankings

DBS Live Fresh Card

HSBC Red Card

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Citibank Student Card

UOB One Card

Bank of China Student Card

OCBC Youth Card

Hang Seng Student Card

Bank of East Asia Fresh Card

Mizuho First Card

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